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(11)

EP 3 398 142 A1

(12)

(43) Date of publication: 07.11.2018 Bulletin 2018/45 (21) Application number: 16882233.6 (22) Date of filing: 21.10.2016

(51) International Patent Classification (IPC):  G06Q 20/32(2012.01) G06Q 20/38(2012.01) G06F 3/048(2013.01) (86) International application number: PCT/US2016/058105 (87) International publication number: WO 2017/116535 (06.07.2017 Gazette 2017/27)

(84) Designated Contracting States: AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR Designated Extension States: BA ME Designated Validation States: MA MD (30) Priority: 30.12.2015 US 201514985067 (71) Applicant: Visa International Service Association San Francisco, CA 94128-8999 (US)	(72) Inventors: SZETO, Margaret Mountain View California 94040 (US) ZHAO, Peng San Jose California 95117 (US) TRIVEDI, Prerak Diwakar Foster City California 94404 (US) KLIMOVICH, Dziyana Nikolaevna Foster City California 94404 (US) MUCHANG, Yobel San Francisco California 94109 (US) (74) Representative: EIP  EIP Europe LLP Fairfax House 15 Fulwood Place London WC1V 6HU London WC1V 6HU (GB)